EMPLOYEE BENEFIT SUMMARY

Health Insurance:Plans offered: Excellus Simply Blue 30-1000 and Simply Blue HDHP with Health Savings Account option. Coverage begins the first of the month following date of employment. Employees working 20 or more hours per week (.500 FTE) are eligible for group health insurance coverage. Additional information including employee cost and a summary of benefits offered by each plan is available from Human Resources.

Voluntary Life Insurance: Contributions to the Voluntary Life Insurance Plan are 100% employee paid.MedBest handles the billing and administrative responsibilities through payroll deduction.Employees working at least 35 hours per week (.875 FTE) are eligible to participate the first of the month following date of employment.Additional information including group rates and coverage options/restrictions is available from Human Resources.

401(k) Plan: There is an employee option and an employer obligation under the MedBest multiple employer 401K plan.

Employee option:Regular employees at least 21 years of age are eligible to begin elective deferrals following three months of active employment. Employees may enter the plan on the first of the month after satisfying the eligibility requirement.

Employer obligation:Under the MedBest multiple employer 401k plan each employer group has selected a 3% safe harbor fully vested contribution, plus an additional discretionary profit sharing contribution of 5% on a six- year vesting schedule.Employer contributions will begin after the employee has met the 1 year waiting period requirement.

Flexible Spending Plan:Lifetime Benefit Solutions is the Plan Administrator.Employees working at least 20 hours per week (.50 FTE) are eligible to participate.There are three components to this plan:

1.Health Insurance Plan:Waiting period same as health insurance.

2.Medical Expense Plan:Waiting period is three months from date of employment.

Annual max is $2,000.

3.Dependent Care Plan:Waiting period is three months from date of employment.

Annual max is $5,000.

Supplemental Insurance Programs:MedBest offers five supplemental benefit plans through AFLAC New York. Employees working at least 20 hours per week (.50 FTE) are eligible to participate after meeting their three-month date of service.Premiums for the Personal Accident Expense Plan, the Personal Lifestyle Protector Cancer Plan, the Hospital Confinement Indemnity Plan, the Personal Short-Term Disability Income Plan, or the Vision Now Plan are paid through biweekly pre-tax payroll deductions, and all plans are fully portable.

Dental Insurance: Plans offered: Value Plan and Network Access Plan through Guardian. Coverage begins the first of the month following six months of active employment. Employees working 20 or more hours per week (.500 FTE) are eligible for group dental insurance. Additional information including employee cost and a summary of benefits is available from Human Resources.

Basic Life Insurance: Provided to eligible employees at no cost.A Life Insurance policy in the amount of your annual earnings (rounded to the nearest $1000 with a $50,000 maximum) is available to employees working at least 35 hours per week (.875 FTE) after six months of active employment.

Accidental Death and Dismemberment: Provided to eligible employees at no cost.Employees working at least 35 hours per week (.875 FTE) are eligible for coverage after six months of active employment.Benefits are provided in the event of death from an accidental injury, or if loss of a covered limb occurs.

Long-Term Disability: Provided to eligible employees at no cost.Employees working at least 35 hours per week (.875 FTE) are eligible after six months of active employment.Benefits begin on the first of the month following six consecutive months of a certified total disability.

*Basic Life, AD&D, and LTD require the employee to complete an application provided by the insurance company.A summary of benefits and provisions will be provided upon enrollment.

Employee Assistance Program (EAP): Provided to all employees at no cost.A 24-hour, confidential service that helps employees and family members deal with personal problems by providing short-term counseling and/or referral assistance.

Worker’s Compensation: Provided to all employees at no cost.Coverage begins on the first day of active employment.

NYS Disability: Provided to all employees at no cost.There is no waiting period if eligibility was established with previous employer.If eligibility was not established, coverage begins after four consecutive weeks of service for full-time employees and after 25 regular working days for part-time employees.

New York's College Savings Program: Available to all employees as a way to save for the long-term goal of meeting education expenses while receiving significant tax benefits.MedBest offers you the opportunity to make program contributions through payroll deductions.

Vacation:Regular full-time non-exemptemployees receive vacation time per bi-weekly pay period at the following rates:

First 4 years of eligible service

4.00 hours per bi-weekly pay period (13 days/year)

After 4 years of eligible service

4.32 hours per bi-weekly pay period (14 days/year)

After 6 years of eligible service

4.64 hours per bi-weekly pay period (15 days/year)

After 10 years of eligible service

5.23 hours per bi-weekly pay period (17 days/year)

Regularfull-time exemptemployees receive vacation time per bi-weekly pay period at the following rates:

Upon initial eligibility 4.62 hours per pay period (15 days/year)

After 2 years of eligible service4.92 hours per pay period (16 days/year)

After 3 years of eligible service5.23 hours per pay period (17 days/year)

After 4 years of eligible service5.54 hours per pay period (18 days/year)

After 6 years of eligible service6.15 hours per pay period (20 days/year)

After 10 years of eligible service6.46 hours per pay period (21 days/year)

Regular part-time employees, working at least 20 hours per week (.500 FTE), will receive vacation benefits on a pro-rated basis according to the number of hours worked per week (i.e. 24 hours) as a percentage of a full-time schedule (i.e. 40 hours) applied to the accrual schedule above.

Employees are eligible to use vacation time after completing six months of employment. Vacation time may be used in a minimum 2-hour increment. An employee may carry unused vacation time over from one calendar year to the next. Once vacation reaches the cap of 200 hours, further vacation accrual will stop. Please refer to the Employee Handbook or contact Human Resources for additional information.

Personal Time: After three months of active service, regular full-time employees are eligible for personal time.Regular Full-Time employees working at least 35 hours per week but less than 40 hours per week will be eligible for personal time on a prorated basis. A personal day is based on hours normally worked in a day, up to 8 hours.

During the first year of employment, the number of personal days is a prorated calculation based on which quarter the 3-month date of service falls.

Quarter in which initial 3 months

Number of personal days

of service is completed

received in 1st year of employment:

Jan - Mar

4

Apr - Jun

3

Jul - Sept

2

Oct - Dec

1

The following January after the year in which the employee completed their first three months of employment, the employee is entitled to 5 Personal Time days each calendar year. Personal time may be taken in a minimum 1/2 hour increment. For a complete summary of Personal Time please consult the Employee Handbook, or contact Human Resources.

Floating Holidays: Five days will be earned throughout the year on the following days: Dr. Martin Luther King, Jr. Day, President’s Day, Columbus Day, Veteran’s Day and the day after Thanksgiving. Regular full-time and regular part-time employees are eligible to earn floating holidays upon hire. Floating holidays must be taken in full day increments.

Part-time employees’ floating holidays are earned on a percentage based on their work schedule (i.e. a person working 30 hours per week is 75% of full-time. For each floating holiday, that person is eligible for 6 hours, or 75% of 8 hours.)

Holidays: Regular and Introductory employees working 20 hours or more per week (.500 FTE) will be granted paid holiday time for the six major holidays listed: New Year’s, Memorial Day, Independence Day, Labor Day, Thanksgiving and Christmas.

Holiday pay will be calculated based on the employee’s straight-time pay rate (as of the date of the holiday) multiplied by the number of hours the employee would otherwise have worked on that day.

Additional information on all the described benefits is available from the Human Resources Department.

Disclaimer: The benefits and policies set forth above are those currently in existence at MedBest. MedBest may change these benefits at its discretion. Nothing contained herein shall be deemed to create an obligation on the part of MedBest to offer these benefits to employees in the future.